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Identity Verification & Anti-fraud

Stop Fraud Before It Starts. Verify in Minutes.

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Digital Onboarding Verification (DOV)

DOV is CRIF's fastest-ever, fully automated onboarding and identity verification solution — powered by artificial intelligence to deliver 99% fraud protection in less than 2 minutes end-to-end. It combines advanced biometric facial recognition, document verification, liveness detection, and a comprehensive KYC/KYB data ecosystem spanning more than 40 information sources and over 300 real-time checks. Fully integrated with 100% of AML and fraud prevention information providers worldwide, DOV stops fraud before it starts — while delivering a smooth, fast customer onboarding experience that reduces operating costs, reputational risk, and compliance headaches across banking, lending, insurance, telecoms, and more.

Key benefits Identity Verification & Anti-fraud

  • Speed

    Fully automated end-to-end onboarding and identity verification in under 2 minutes — with real-time results that eliminate delays in the loan decision process.

  • Biometric accuracy

    Advanced facial recognition, liveness detection, and document verification ensure customers are who they say they are — protecting against deepfakes and synthetic identities.

  • Global coverage

    Unique worldwide coverage with access to more than 40 information sources and integration with 100% of AML and fraud prevention providers globally.

  • Compliance-ready

    Identification methods are fully compliant with regional and local regulatory requirements — including KYC, KYB, AML list matching, PEP screening, and geographic risk checks.

  • Configurable

    Controls adapt to different organizational models — including complex banking groups — with API integration, disaster recovery, and security-certified infrastructure.

  • Customer experience

    A friction-right design ensures genuine customers onboard quickly and confidently — improving conversion rates, productivity, and satisfaction while reducing drop-off.

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Digital Onboarding Verification by CRIF

See DOV in action. The customer simply frames themselves with their device as if taking a selfie, then shows their ID — identification and compliance checks are automatically initiated from there. Liveness detection confirms the customer's physical presence through a short sequence of movements, while real-time OCR scanning verifies their document and runs a facial match simultaneously. The whole process — fully automated and powered by AI — delivers 99% fraud protection in under two minutes, reducing friction for genuine customers while stopping fraudsters before they can cause harm.

Our Solution

DOV unifies and automates the entire identity verification workflow — connecting biometric checks, document validation, AML screening, and fraud signals in one coordinated platform. The result is faster onboarding, greater fraud protection, and more efficient compliance operations from first contact to account opening.

Advanced facial recognition technology matches a live selfie against the photo on a submitted identity document — with passive liveness detection confirming the person is physically present and not a spoof, deepfake, or mask. The process delivers a confidence score and flags any inconsistency immediately, all in seconds.

AI-powered document acquisition verifies passports, national IDs, driver's licenses, and other government-issued documents — extracting data via OCR, checking for forgery, tampering, expiry, and authenticity using inbuilt property logic and authenticity algorithms across a wide range of global document formats.

Over 300 real-time checks on individuals and businesses, covering AML list matching, PEP databases, sanctions lists, geographic and business risk assessments, and adverse media screening. For KYB, an instant report includes full company information, UBO graph, and a complete AML check suite — powered by the Dun & Bradstreet network for global corporate coverage.

Add-on assessment service modules extend DOV beyond document checks — globally identifying a customer's digital identity across different devices, credentials, locations, and online personas. Fraud detection and cyber defense signals provide an additional layer of protection against account takeover, synthetic identity, and digital impersonation attacks.

A top-of-line workflow environment supports deepening and investigating flagged cases. Based on player-specific rules, automatic work queues are created with priorities, working teams, four-eyes authorization, and supervisor approval — all managed by the workflow engine. Dedicated as-a-service audit teams and a specialist training hub complement the platform.

DOV can be embedded into any lending, banking, insurance, or telecoms workflow via API — enabling fully digital processes in minutes. Video identification and remote collaboration capabilities allow consumers and SMEs to be verified entirely online, compliant with regional regulatory requirements, supporting 24/7 account opening across any channel.

AI-Driven Decision Management

Process Orchestrator